Overdraft

Whether it is the school start, or a large heating bill or you have accumulated a lot of expenses, an overdraft could be a quick solution.

 

It may help in everyday finances

 

                          
         

   
The overdraft may be used  freely. available from HUF 50,000. You need to pay interest only on the used amount. Within the framework of this offer,2
the bank will not charge the HUF 2,900 upfront fee in the first year.

 

 

A representative example: In the event of applying for a HUF 375,000 overdraft for a 1 year term the initial normal interest rate of the loan is 19.89%, variable. This calculation was prepared assuming that the total credit line will be withdrawn immediately and the crediting specified during the term will be completed, then the portion available from the credit line will be withdrawn each time; in this case, the annual percentage rate (APR) is 21.81%. Instalment amount: HUF 6,216, which is the monthly interest rate calculated for the utilisation of the total credit line. For a loan applied for subject to the conditions specified here, the total amount repayable by the consumer is HUF 449,588; the total cost of the loan is: HUF 74,588 (which contains only the transaction interest and no other fees)

The overdraft is opened and maintained provided that sufficient income is transferred into an UniCredit current account and one UniCredit current account is maintained3.

Conditions of application

  • You must be a resident private individual.
  • You must have certified net income equivalent to at least the effective net minimum wages.
  • You must have a retail bank account in a Hungarian bank, active for at least two months.
  • You must have one, at least three-month old employment contract for an indefinite term with at least one employer, where you have already served the trial period or you must be a pensioner, a private entrepreneur or the owner of a company.
  • You must be at least 18 years old.
  • You have a private phone number or mobile phone number (not the phone number of your work place).

Loan switch

If you wish to manage your finances at UniCredit Bank and you need an overdraft of the same amount as your current overdraft in a different Bank, you may apply for an overdraft in the same amount as your overdraft in the other bank. Our colleagues will be happy to inform you of the conditions of the application and required documents at our branches or on the following numbers: +36 (1/20/30/70) 325 3200.

What we also offer with an overdraft..

Credit cards offer you a freely projectable and flexible yet responsible payment opportunity within and outside the country. APR4: 36.16%-37,99%

Use a UniCredit account to manage your daily finances.
You can reduce the monthly account management fee for numerous accounts if your income is credited on a UniCredit bank account. Contact our members of staff at our branches; they will be happy to help you find the bank account that best suits your needs. Visit our website to make a calculation and see which bank account best suits your needs. Count with us.

Are you interested in a general purpose loan?

Now you can achieve your plans with our loan with a stable interest. APR4: 8.97-19.86%


The Responsible Lending and Banking Terms and Definitions may help you become more knowledgeable about taking out a loan, while at the website of the National Bank of Hungary's Financial Customer Protection Centre you can find product descriptions that help you make responsible decisions, as well as applications that help you make comparisons. Please make a responsible and prudent decision on borrowing, taking your income situation into account.

The information is not comprehensive and this advertisement does not qualify as a contractual offer. The loan conditions are outlined in UniCredit Bank’s List of Conditions for private individuals and the bank’s Announcement on the conditions for loans extended to private individuals. The bank reserves the right to amend conditions. The bank’s decision relating to granting a loan shall be made in accordance with the conditions outlined in its Retail Business Regulations, List of Conditions and Announcement, based on its loan assessment.

 

1 The APR has been defined in the light of the current conditions and the effective legal provisions. The APR can be modified in the event of changes in the conditions; the APR does not reflect the interest rate risk of loans with variable interest rates. The prerequisite for receiving a loan is having an account held with UniCredit Bank. The APR has been calculated with the use of a Loan bank account.

2 The details and the valid conditions are included in the Announcement for Loans not Secured by a Property. The current standard amount of the handling costs is 1 percent of the credit line, minimum HUF 2,900. As a special offer the bank will not charge any amount exceeding the minimum amount indicated above. The discount is valid until withdrawn.

3 The condition of the use and maintenance of the overdraft facility is that your regular monthly income, a minimum 25 percent of the credit line, minimum HUF 50,000 should arrive on your UniCredit bank account each month. The credits received on the account will automatically reduce the amount of the used credit line. With the help of our staff, you can simply arrange the redirection of your income to a UniCredit account, if necessary.

4 The APR has been determined in consideration of the current conditions and the prevailing legal provisions, and may be modified in the event of any changes in interest rates.

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